City-County Employees Credit Union Clearwater, Florida
City-County Employees Credit Union is a state-chartered credit union headquartered in Clearwater, FL (NCUA charter 67323), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,905 members and total assets of $42.5M (up 5.0% from Q2 2025), the 83rd largest of 106 credit unions headquartered in Florida. Its net worth ratio was 8.29% at Q2 2026, in the well capitalized band.
Also written as City-County Employees CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67323
- Headquarters
- Clearwater, FL
- Established
- Not reported
- Total assets, Q2 2026
- $42.5M
- Assets vs Q2 2025
- +5.0%
- Members, Q2 2026
- 3,905
- Net worth ratio, Q2 2026
- 8.29%
- Latest call report
- Q2 2026, NCUA 5300 · City-County Employees Credit Union call report
- Asset rank in state
- 83rd of 106 in Florida
- Routing number
- 263177712
- Branches
- 2
It has 49 fewer members than on June 30, 2025 (-1.2%). Its net worth ratio was up 0.12 percentage points from 8.17% on June 30, 2025. Used vehicle loans are its largest loan category, $10.5M of $26.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.59% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 8.29% net worth ratio is below that band's 14.31% median.
Frequently asked about City-County Employees Credit Union
How big is City-County Employees Credit Union?
At Q2 2026 it reported total assets of $42.5M and 3,905 members.
Where is City-County Employees Credit Union headquartered?
It is headquartered in Clearwater, FL, United States.
Is City-County Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67323): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates City-County Employees Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is City-County Employees Credit Union well capitalized?
Its net worth ratio was 8.29% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is City-County Employees Credit Union's delinquency ratio?
Its delinquency ratio was 0.59% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is City-County Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 66.82% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Clearwater, FL 33756
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67323
- RSSD ID
- 855590
- Members
- 3,905
- Potential members
- 956,122
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 8.29% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.50% | 0.72% | 40th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.09% | 4.74% | 59th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.58% | 3.93% | 76th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 78.29% | 79.83% | 53rd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.17% | 0.78% | 28th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.59% | 0.86% | 63rd above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.75% | 4.70% | 83rd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 66.82% | 58.92% | 62nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$42.5M total assets against $40.4M; $39.2M total shares and deposits against $37.1M; $26.2M total loans against $25.1M.
$3.5M net worth against $3.3M.
8.29% net worth ratio against 8.17%.
66.82% loan-to-share ratio against 67.47%.
0.59% delinquency ratio against 0.98%.
0.50% return on assets against 0.83%; 6.09% return on equity against 10.18%.
4.58% net interest margin against 4.59%.
3,905 members against 3,954.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.29% | 0.50% | 0.59% | 66.82% |
| March 31, 2026 | 8.24% | 0.81% | 0.31% | 66.41% |
| December 31, 2025 | 8.19% | 0.64% | 0.62% | 65.06% |
| September 30, 2025 | 8.17% | 0.41% | 0.79% | 67.89% |
| June 30, 2025 | 8.17% | 0.83% | 0.98% | 67.47% |
| March 31, 2025 | 7.77% | 0.34% | 0.46% | 65.04% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.